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Did you finance through Kia or another lender?

Did you finance through Kia or another lender?

  • Kia Finance

    Votes: 17 81.0%
  • Credit Union

    Votes: 3 14.3%
  • Bank

    Votes: 0 0.0%
  • Paid Cash

    Votes: 1 4.8%
  • Other

    Votes: 0 0.0%

  • Total voters
    21
Messages
307
Likes
130
#1
Did you finance through Kia or another lender?
 
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145
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53
#3
We will finance thru Kia for a 1500.00
Discount then refinance at a lower rate.
That's exactly what I will be doing after making my first car payment.
 
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306
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203
#4
Where are you seeing lower rates than Kia for 5yrs? Plus if you refinance afterwards, isn’t it considered a used car loan?
 
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145
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53
#5
Where are you seeing lower rates than Kia for 5yrs? Plus if you refinance afterwards, isn’t it considered a used car loan?
We did the 72 months which has similar rates as our credit union.
 

Tom

New Member
Messages
2
Likes
2
#6
I use a credit union that is slightly lower. Yes it is considered used but they take into consideration that is a new refinance.
 

jeffo65

New Member
Messages
16
Likes
10
#8
Finance through Kia to get rebates then paid it off ta few days later.
 
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306
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203
#11
With 2.9 you get $1500 off from KMF. 0.9 doesn’t have cash back. You do better if you take the cash and 2.9
 

utmeep

Not Active
Staff Member
Messages
428
Likes
334
Location
USA
#12
With 2.9 you get $1500 off from KMF. 0.9 doesn’t have cash back. You do better if you take the cash and 2.9
$50000 loan at 0.9% for 48 months is a total in about $1k in interest charges.

$50000 loan at 2.9% for 66 months is a total in about $4k in interest charges.
 
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64
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34
#13
$50000 loan at 0.9% for 48 months is a total in about $1k in interest charges.

$50000 loan at 2.9% for 66 months is a total in about $4k in interest charges.
Awesome that is exactly what I thought. I also see a conquest discount of $1000. I guess that will also apply. I am the owner of an 2013 outback. I did not discuss this with the dealer while placing the order
 
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88
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50
#14
$8000 @1.9% for 24 months (that was the minimum number of months they would do)....got the $1500 so happy with that...will make a few payments then just pay it off. This was for an EX AWD on the lot.
 

utmeep

Not Active
Staff Member
Messages
428
Likes
334
Location
USA
#15
I also got the $1500 with the 0.9% 48 month
 
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4
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8
#16
Glad to know the .9% apr does exist! I saw it on the website but was skeptical when I first saw it!
 

utmeep

Not Active
Staff Member
Messages
428
Likes
334
Location
USA
#18
Glad to know the .9% apr does exist! I saw it on the website but was skeptical when I first saw it!
You have to argue with the finance guy. They will try to get you a higher interest rate since that's how they make money.
 
OP
telluride
Messages
307
Likes
130
Thread Starter #19
You have to argue with the finance guy. They will try to get you a higher interest rate since that's how they make money.
^Truth
 

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